Back in the day I remember that almost everything had to be done over the phone either calling the card holder or the bank and acting like the card holder. A good friend of mine got busted for hacking into Equifax and using people's personal information to apply for credit cards. I remember how he got a rush after calling card holders or credit card companies.
I see they're going back to grass root scamming.
By the way, if you want to do some research on my buddy that got busted his name is Greg Perry and he was busted in Tampa Florida. He did 1 month in jail and was offered a job at the Justice Department shortly thereafter. I believe he still works for them.